BlastPoint's Credit Union Scorecard
AMERICAN SPIRIT
Charter #15426 · DE
AMERICAN SPIRIT has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.7% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 14.01% above tier (higher cost structure)
- - Delinquency rate 3.90% above tier average
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 9 that size in Delaware.
- Shares and deposits -0.6% year over year ($59.2M in shares and deposits).
- Membership: 12,126 members, +0.1% vs a year ago.
- Delinquency rate 5.44%.
- Return on assets 1.17%.
- Efficiency ratio 102.78% vs a 88.77% peer average.
- Loan-to-share ratio 33.93% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,126
+0.1% YoY+0.0% QoQ
|
+9.5K |
2,585
-1.7% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
Top 0.7% in tier |
| Assets |
$67.6M
-3.7% YoY-2.8% QoQ
|
+$37.3M |
$30.3M
+1.5% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
Top 13.6% in tier |
| Loans |
$20.1M
-21.3% YoY-3.8% QoQ
|
+$4.6M |
$15.5M
-1.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$59.2M
-0.6% YoY-2.5% QoQ
|
+$33.4M |
$25.8M
+1.1% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
Top 12.8% in tier |
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| ROA |
1.2%
+64.8% YoY-287.2% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
2.9%
-2.5% YoY-2.2% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio |
102.8%
+26.4% YoY-3.6% QoQ
|
+14.0% |
88.8%
-6.9% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
5.4%
+26.3% YoY-6.5% QoQ
|
+3.9 |
1.5%
+2.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
33.9%
-20.9% YoY-1.3% QoQ
|
-25.0% |
58.9%
-3.1% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$6,541
-6.9% YoY-2.9% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.2% in tier |
| CD Concentration |
2.4%
-9.2% YoY-7.9% QoQ
|
-22.1% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)